Exhibit
10.15


 


FIRST AMENDMENT

TO

OFFICE BUILDING LEASE


 


THIS FIRST AMENDMENT TO
OFFICE BUILDING LEASE (this “Amendment”) is made and entered into by and
between Hall Stonebriar Center I Associates, Ltd., a Texas limited partnership
(hereinafter called “Landlord”) and Heartland Card Services, L.L.C., a Missouri
corporation (hereinafter called “Tenant”).


 


WITNESSETH:


 


WHEREAS, Landlord and
Tenant have previously entered into a certain Office Building Lease (the
“Lease”) dated May 28, 1998 for the lease of Suite 405 (the “Original
Premises”) consisting of approximately 2,769 rentable square feet of space in
that certain office building commonly known as Stonebriar Center I (the
“Building”) located at 2595 Dallas Parkway, Frisco, Texas; and


 


WHEREAS, Tenant has paid
to Landlord a security deposit in the amount of $19,383.00 (the “Original
Security Deposit”) to secure its obligations under the Lease as more
particularly described in the Lease;


 


WHEREAS, Landlord and
Tenant desire to amend the Lease to reflect the extension of the Lease and the
expansion of the Premises by the lease of Suite 305 in the Building consisting
of approximately 6,322 rentable square feet (the “Expansion Space”).


 


NOW, THEREFORE, for and
in consideration of the mutual covenants contained herein, the receipt and
adequacy of which are hereby acknowledged, the parties hereto agree as follows:


 


1.                                       Defined
Terms.  All capitalized terms not
otherwise defined herein shall have the same meaning as ascribed to them in the
Lease.


 


2.                                       Expansion
of Premises.  On November 1,
1998, the Premises shall be expanded by the addition of the Expansion n Space
consisting of approximately 6,322 rentable square feet (the “Expansion Space”)
as shown as Suite 305 on the floor plan attached hereto as Exhibit “A.”,
for a total of approximately 9,091 rentable square feet comprising the
Premises.


 


3.                                       Term
of Lease for the Expansion Space. 
The term of the Lease for the Expansion Space shall be a period of sixty
(60) months, from November 1, 1998 through October 31, 2003.


 


4.                                       Basic
Rental for Expansion Space. 
Effective as of November 1, 1998, the Base Rental for the Expansion
Premises for the term of the Lease shall be calculated on the basis of $22.00
per rentable square foot, payable monthly in the amount of $11,590.33, for an
annual payment of $139,084.00. Tenant shall remain responsible for the payment
of the Base Rental for the Original Premises together with all other rentals
and sums due under the Lease as amended hereby.


 


5.                                       Security
Deposit for Expansion Space.  Contemporaneously,
with the execution of this Amendment, Tenant will pay Landlord the sum of
$46,361.33 (the “Expansion Space Security Deposit”)as security for the
performance by Tenant under the Lease and this Amendment and which will be
subject to the provisions of Section 4.5 of the Lease (the Original
Security Deposit and Expansion Space Security Deposit are hereinafter sometimes
collectively referred to as the “Security Deposit”). Tenant shall maintain the
Security Deposit at all times during the Lease until Tenant delivers to
Landlord financial statements satisfactory to Landlord reflecting net current
assets of at least$2,500,000.00. After


 


1

















 


Tenant’s delivery to
Landlord of financial statements evidencing the satisfaction of such financial
requirements, Landlord shall abate all Base Rental next accruing under the
Lease until Tenant’s Security Deposit is reduced to $23,180.67. Tenant shall
maintain the reduced Security Deposit at all times during the Lease until
Tenant delivers to Landlord financial statements satisfactory to Landlord
reflecting net current assets of at least $3,500,000.00. After Tenant’s
delivery to Landlord of financial statements evidencing the satisfaction of
such financial requirements, Landlord shall abate all Base Rental next accruing
under the Lease until Tenant’s Security Deposit is reduced to$11,590.33.


 


6.                                       Improvements
to Expansion Space.  Landlord shall make
certain improvements to the Expansion Space as described in that certain Work
Letter Addendum attached hereto as Exhibit “B” and incorporated herein by this
reference for all purposes. Other than the improvements to be made pursuant to
the Work Letter Addendum, Tenant hereby acknowledges and agrees that it is
taking possession of the Expansion Space on as “AS IS, WHERE IS” basis with all
faults.


 


7.                                       Subletting
of Original Premises.  Tenant shall have
the right to sublease the Original Premises with the consent of Landlord, which
consent shall not be unreasonably withheld or delayed. Tenant shall have no
right to sublet the Expansion Premises except in accordance with the provisions
of Article X of the Lease, which provisions are not modified or amended by
this paragraph for purposes of the Expansion Premises. If the Tenant desires to
sublease all but not part of the Original Premises, Tenant will notify Landlord
at least fifteen (15) days in advance of the date on which Tenant desires to
make such sublease. Tenant will provide Landlord with sufficient information
concerning the proposed subtenant as Landlord shall reasonably require to allow
Landlord to make an informed judgment as to the financial condition,
reputation, operations and general desirability of the proposed subtenant.
Within ten (10) days after Landlord’s receipt of Tenant’s proposal and all
required information concerning the proposed subtenant, Landlord shall notify
Tenant in writing of its decision, and any failure to so notify Tenant will be
deemed to be a disapproval. If consent to the proposed subtenant is given by
Landlord and such subtenant executes a lease for the Original Premises on
substantially the same terms as the Lease, then Landlord shall execute and
deliver to Tenant an amendment releasing the Original Premises from the Lease
and shall return to Tenant the Original Security Deposit, but only to the
extent that there has not been an event of default pursuant to which Landlord
exercised its remedies under Section 4.5 of the Lease as to any of the
Security Deposit.


 


8.                                       Termination
Option.  The termination option
contained in Section 20.16 of the Lease is hereby amended by the
replacement of the referenced Exhibit “H” by Exhibit “C” attached hereto and
incorporated herein for all purposes.


 


9.                                       Binding
Effect.  The terms, covenants,
conditions and provisions contained in this Amendment shall be binding upon and
inure to the benefit of Landlord and Tenant, their respective heirs,
representatives, successors and permitted assigns. Landlord and Tenant hereby
ratify and confirm the terms and provisions of the Lease, as amended previously
and hereby.


 


10.                                 Amendment.  This Amendment may not be modified, amended
or terminated nor any of its provisions waived except by written agreement
signed by both parties. Except as amended hereby, the Lease shall remain in full
force and effect, enforceable in accordance with its terms.


 


11.                                 Governing
Law and Venue.  This Amendment shall be
governed by and construed in accordance with the laws of the State of Texas.
Venue shall be proper in any court of competent jurisdiction in Collin County,
Texas.


 


12.                                 Counterparts.  This Amendment may be executed in one or
more counterparts, each of which shall be deemed an original, but all of which
together shall constitute one and the same instrument.


 


2

















 


IN WITNESS WHEREOF, the
parties hereto have executed this Amendment this 30th day of September, 1998.


 


	
   

  	
  LANDLORD:

  
	
   

  	
   

  
	
   

  	
  HALL STONEBRIAR
  CENTER I ASSOCIATES,

  LTD., a Texas limited partnership

  
	
   

  	
   

  
	
   

  	
  By:

  	
  Phoenix/Inwood
  Corporation, a Texas corporation,

  
	
   

  	
   

  	
  General Partner

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Mark Depker

  	
   

  
	
   

  	
   

  	
  Mark Depker

  
	
   

  	
   

  	
  Its: Vice
  President

  
	
   

  	
   

  
	
   

  	
  TENANT:

  
	
   

  	
   

  
	
   

  	
  HEARTLAND CARD
  SERVICES, L.L.C., a Missouri

  corporation

  
	
   

  	
   

  
	
   

  	
   

  
	
   

  	
  By:

  	
  /s/ Robert O. Carr

  	
   

  
	
   

  	
   

  	
  Robert O. Carr

  
	
   

  	
   

  	
  Its: President
  and Chief Executive Officer

  
					



 


3

















 


EXHIBIT “B”


 


LEASEHOLD IMPROVEMENTS AGREEMENT


 


The Premises leased by
Landlord to Tenant pursuant to the First Amendment to Office Building Lease to
which this Work Letter Agreement is attached as Exhibit “B” shall
contain or receive the benefit of the following Basic Building Improvements
(herein so called) regardless of any other improvements which may be
constructed in the Premises pursuant hereto:


 


A.                                   Ceiling
grid installed.


B.                                     Ceiling
tiles (2x4) purchased and stacked on the floor.


C.                                     Sprinkler
main runs installed, heads installed on the basis of 1/140 square feet.


D.                                    HVAC
with 21 zones per floor and power mixing boxes installed.


E.                                      Slot
Diffusers installed.


F.                                      Window
coverings/Mini Blinds installed.


G.                                     Parabolic
lights purchased and stacked on the floor on the basis of 1/130 square       feet.


 


It is agreed that
construction of the Premises shall be completed in accordance with the
following procedures:


 


1.                                       Design
of Premises. Using information supplied by Tenant, Landlord’s architect,
interior designer or consulting engineer (“Landlord’s Architect”) has, at the
sole cost and expense of Landlord, prepared for Tenant, a layout of the
Premises (the “Preliminary Space Plan”) which has been delivered and approved
by Tenant. The approved Space Plan is hereinafter referred to as the “Final
Space Plan”. From the Final Space Plan, Landlord’s Architect will, at the sole
cost and expense of Landlord, prepare all one-eighth inch (1/8”) architectural,
mechanical and electrical working drawings together with specifications
necessary to complete all of the leasehold improvements. When such working
drawings and specifications (collectively the “Preliminary Drawings”) have been
completed, Landlord shall deliver same to Tenant. Unless Tenant objects to the
Preliminary Drawings within ten (10) working days after delivery by Landlord,
Tenant shall be deemed to have approved the Preliminary Drawings. If Tenant
does reasonably object, Landlord shall deliver revised Drawings to Tenant
within ten (10) working days thereafter until Drawings are approved. The
approved or deemed approved drawings are hereinafter referred to as the “Final
Drawings.” In the event that the Final Drawings have any substantial additions
which vary from the Preliminary Drawings, Tenant will be responsible for all
cost associated with the preparation of changes to the drawings.


 


2.                                       Tenant
Improvements. Landlord shall install, furnish and perform with reasonable
diligence the facilities, materials and work in and for the Premises described
in the Final Drawings. The cost of the Tenant Improvements shall include all
costs incurred by Landlord in connection with the installation of such Tenant
Improvements. Landlord will submit a budget of the cost of all cost of
construction to Tenant, within five (5) days after delivery by Landlord, Tenant
shall be deemed to have approved the budget. If Tenant objects to the budget
Landlord and Tenant shall review the budget and come to agreement on any items
to be deleted from the budget. Landlord shall then submit another budget to
Tenant, within five (5) days after delivery by Landlord, Tenant shall be deemed
to have approved the budget.


 


2.1                                 Expenditure
Authorization. The cost of any work in excess of the Allowance (“Excess Work”)
shall be set out in detail in an expenditure authorization (the “Expenditure
Authorization”). After the Expenditure Authorization has been prepared,
Landlord shall deliver same to


 

















 


Tenant. Unless Tenant objects to the Expenditure
Authorization within five (5) days after delivery by Landlord, Tenant shall be
deemed to have approved the Expenditure Authorization. If Tenant objects,
Landlord and Tenant shall meet within five (5) days after delivery to Landlord
of Tenant’s objections to discuss any revisions to the scope of the Excess Work
requested by Tenant. Landlord shall deliver a revised Expenditure Authorization
to Tenant within five (5) days after agreement by the parties as to the revised
scope of the Above Standard Work and completion of revisions, if any, to the
Final Drawings. Unless Tenant objects to the revised Expenditure Authorization
within five (5) days after delivery by Landlord, Tenant shall be deemed to have
approved same. If the cost of any item is not known or will not be known until
it is completed, an estimate of such item’s cost shall be included in the
Expenditure Authorization and Tenant shall pay (or Landlord shall give Tenant
credit for) any additional (or lesser) actual final cost of such item when the
actual cost is finally determined. In no event shall Landlord commence
construction of the leasehold improvements until such time as an Expenditure
Authorization for Excess Work is approved or deemed approved by Tenant.


 


3.                                       Landlords
Monetary Obligation


 


Landlord will provide and
install initial tenant improvements (the “Tenant Improvements”) in the Premises
in accordance with the Final Drawings, as the same may be revised as set forth
herein. Landlord’s sole monetary obligation for the Tenant Improvements,
including all costs associated with the preparation of the Final Drawings, is
to pay an amount (the “Allowance”) not to exceed One Hundred Ten Thousand Six
Hundred Thirty Five and NO/100 Dollars ($110,635.00). The Total Construction
Costs in excess of the Allowance (collectively “Tenant’s Costs”) shall be borne
by Tenant and shall be payable by Tenant as follows:


 


(a)                                  Tenant
shall pay to Landlord prior to commencement of construction of the Tenant
Improvements, an amount equal to one hundred percent (100%) of Tenant’s Costs.


 


(b)                                 As
soon as the final accounting can be prepared and submitted to Tenant, Tenant
shall pay to Landlord the entire unpaid balance of the actual Tenant’s Costs
based on the final costs to Landlord. In the event that such final accounting
reflects an amount less than the Allowance a credit will be given to Tenant and
a proportionate reduction of the Base Rental shall be calculated. Landlord and
Tenant agree that in the event that there is a reduction in the Base Rental
they will amend the Lease as to that amount reflected in Article 1.4


 


In the event that Tenant
does not use all of the Allowance, Tenant will be given a credit and reduction
of the Base Rental. The reduction will be the amount of the unused Allowance
divided by the Term of the Lease times twelve months the product of which will
be divided by the Rentable Square Feet in the Premises. The Base Rental per
square foot cost will be reduced by this amount and Landlord and Tenant will
amend the Lease to reflect the new Base Rental.


 


4.                                       Change
Orders. All changes to the Final Drawings will be subject to Landlord’s prior
written approval which shall not be unreasonably withheld. Prior to commencing
any change, Landlord shall prepare and deliver to Tenant, for Tenant’s
approval, a change order setting forth the cost of such change, which cost will
include associated architectural, engineering and construction contractor’s
fees, if any, and the cost of the delay, if any, in completing the work
resulting from such change [such cost being based upon the number of days of
“Base Rental” (as defined in the Lease) Landlord will forego]. If Tenant fails
to approve such change order within five (5) days after delivery by Landlord,
Tenant will be


 

















 


deemed to have withdrawn the proposed change and
Landlord will not construct same. If Tenant timely approves such change order,
Tenant will immediately pay to Landlord any amounts payable by Tenant in
connection with the change order.


 


5.                                       Permits.
Landlord shall take whatever action which shall be necessary to obtain and
maintain all authorizations, approvals and permits required by any governmental
entity for the work described herein. Tenant shall cooperate with Landlord in
obtaining such authorizations, approvals or permits.


 


6.                                       Commencement
of Term.


 


6.1                                 Commencement
Date. Notwithstanding anything in the Lease to the contrary, the Term will
commence upon the earlier of Tenant’s occupancy of the Premises or the date set
forth in the Certificate of Occupancy issued by the City of Dallas.


 


6.2                                 Substantial
Completion. The work shall be deemed substantially completed for the purposes
of this Paragraph 6, notwithstanding the fact that minor or insubstantial
details of construction, mechanical adjustment or decoration remain to be
performed, the noncompletion of which details does not materially interfere
with Tenant’s use of the Premises or the City of Dallas issuing a Certificate
of Occupancy for the Premises.


 


6.3                                 Tenant
Delays. Tenant will be responsible for any delay in completion of Landlord’s
work resulting from:


 


(i)                                     any
request by Tenant that Landlord delay the completion of any of the work;


 


(ii)                                  any
request for a change by Tenant in any of the Final Drawings;


 


(iii)                               Tenant’s
failure to supply timely any information necessary to complete the Final
Drawings;


 


(iv)                              any
breach or default by Tenant in the performance of Tenant’s obligations under
this Lease;


 


(v)                                 modifications,
revisions and changes to the Final Drawings requested by Tenant;


 


(vi)                              Tenant’s
request for Above Standard Work or delays resulting from revision of the
Expenditure Authorization after the Final Drawings are approved; and


 


(vii)                           any
other delay of any kind or nature caused by Tenant, its employees, agents or
independent contractors.


 


Any such delay
(collectively, “Tenant Delays”) shall extend the time for performance by
Landlord of Landlord’s obligations hereunder by an amount of time equal to the
length of such Tenant Delay. In addition, Tenant shall on Commencement Date pay
to Landlord an amount equal to one (1) day of Base Rental multiplied by the
number of days of Tenant Delays in order to compensate Landlord for lost
rentals. If the cost to Landlord of the leasehold improvements is increased in
any way by a Tenant Delay, Tenant shall also pay to Landlord on Commencement
Date the additional cost so incurred.


 


6.4                                 Uncontrollable
Delays. If a delay in substantially completing the work, or if any
substantial portion of such delay, is the result of a strike or other labor
trouble, fire or other casualty,


 

















 


governmental pre-emption of priorities or other
controls in connection with a national or other public emergency or shortages
of fuel, supplies or labor resulting therefrom, or any other cause beyond
Landlord’s reasonable control (collectively, “Uncontrollable Delays”), then
each such Uncontrollable Delay shall extend the time for performance by
Landlord of Landlord’s obligations hereunder by an amount of time equal to the
length of such Uncontrollable Delay.


 


7.                                       Default.
A default by Tenant under this Exhibit F will constitute a default under the
Lease and Landlord may exercise Landlord’s remedies under the Lease.


 


8.                                       Defective
Work.


 


8.1                                 Punch
List. Tenant shall give Landlord a notice specifying any Work which remains to
be completed or which, if completed, is defective or otherwise not substantially
in accordance with the Final Drawings, within thirty (30) days after
Commencement Date and thereafter within thirty (30) days after notice from
Landlord that any of the work has been fully completed. Landlord shall promptly
complete or cause the completion of the incomplete work or remedy or cause the
remedy of the defective work set forth in any such notice.


 


8.2                                 Final
Approval. If Tenant shall fail to give such notice within such thirty (30) days
after Commencement Date, or within thirty (30) days after receipt of notice
from Landlord that the work has been fully completed, as the case may be, then
it shall be deemed that the work has been fully completed in accordance with
the Final Drawings, except for any defects or omissions in such work not observable
upon a reasonable inspection. If Tenant shall give one or more such notices
within such thirty (30) day period, then it shall be deemed, except for the
items set forth in Tenant’s notice and any defects or omissions not observable
upon a reasonable inspection, that all of the work has been completed in
accordance with the Final Drawings.


 


9.                                       Access
Before Commencement Date.


 


9.1                                 Purposes,.
Tenant shall have access to the Premises and the Building prior to the
Commencement Date only for the purposes of inspecting the work.


 


9.2                                 Tenant’s
Obligations. In connection with such access, Tenant agrees:


 


(i)                                     to
cease promptly upon request of Landlord any activity which shall interfere with
or delay the completion of the leasehold improvements or the Commencement Date;
and


 


(ii)                                  to
comply and cause Tenant’s agents to comply promptly with all procedures and
regulations prescribed by Landlord from time to time.


 

















 


EXHIBIT “C”


Termination Amortization


Heartland Card
Services, L.L.C.


 


	
  Key Figures

  	
   

  	
   

  	
   

  	
   

  
	
  Annual
  Payments

  	
   

  	
   

  	
  $

  	
  42,893.52

  	
   

  
	
  Monthly
  Payment

  	
   

  	
   

  	
  $

  	
  3,574.46

  	
   

  
	
  Rentable
  Square Feet

  	
   

  	
   

  	
  2,769

  	
   

  
	
   

  	
   

  	
   

  	
   

  	
   

  
	
  Tenant Improvements

  	
   

  	
   

  	
  $

  	
  159,110.50

  	
   

  
	
  Real Estate Commission

  	
   

  	
   

  	
  $

  	
  13,083.53

  	
   

  
	
  TOTAL

  	
   

  	
   

  	
  $

  	
  172,194.03

  	
   

  



 


	
  Inputs

  	
   

  	
   

  	
   

  	
   

  
	
  Principal
  Amount

  	
   

  	
   

  	
  $

  	
  172,194.03

  	
   

  
	
  Annual
  Interest Rate

  	
   

  	
   

  	
  9.00

  	
  %

  
	
  Term
  of Lease

  	
   

  	
   

  	
  5

  	
   

  
	
  Base
  Year of Lease

  	
   

  	
   

  	
  1998

  	
   

  
	
  Base
  Month of Lease

  	
   

  	
   

  	
  November

  	
   

  
						



 


	
  Mo. #

  	
   

  	
  Month

  	
   

  	
  Beginning  Balance

  	
   

  	
  Payments

  	
   

  	
  Principal

  	
   

  	
  Interest

  	
   

  	
  Cumulative  Principal

  	
   

  	
  Cumulative  Interest

  	
   

  	
  Ending

  Balance

  	
   

  
	
  1

  	
   

  	
  Nov-98

  	
   

  	
  $

  	
  172,194.03

  	
   

  	
  $

  	
  3,574.46

  	
   

  	
  $

  	
  2,283.00

  	
   

  	
  $

  	
  1,291.46

  	
   

  	
  $

  	
  2,283.00

  	
   

  	
  $

  	
  1,291.46

  	
   

  	
  $

  	
  169,911

  	
   

  
	
  2

  	
   

  	
  Dec-98

  	
   

  	
  169,911.03

  	
   

  	
  3,574.46

  	
   

  	
  2,300.13

  	
   

  	
  1,274.33

  	
   

  	
  4,583.13

  	
   

  	
  2,565.79

  	
   

  	
  167,611

  	
   

  
	
  3

  	
   

  	
  Jan-99

  	
   

  	
  167,610.90

  	
   

  	
  3,574.46

  	
   

  	
  2,317.38

  	
   

  	
  1,257.08

  	
   

  	
  6,900.51

  	
   

  	
  3,822.87

  	
   

  	
  165,294

  	
   

  
	
  4

  	
   

  	
  Feb-99

  	
   

  	
  165,293.52

  	
   

  	
  3,574.46

  	
   

  	
  2,334.76

  	
   

  	
  1,239.70

  	
   

  	
  9,235.27

  	
   

  	
  5,062.57

  	
   

  	
  162,959

  	
   

  
	
  5

  	
   

  	
  Mar-99

  	
   

  	
  162,958.76

  	
   

  	
  3,574.46

  	
   

  	
  2,352.27

  	
   

  	
  1,222.19

  	
   

  	
  11,587.54

  	
   

  	
  6,284.76

  	
   

  	
  160,606

  	
   

  
	
  6

  	
   

  	
  Apr-99

  	
   

  	
  160,606.49

  	
   

  	
  3,574.46

  	
   

  	
  2,369.91

  	
   

  	
  1,204.55

  	
   

  	
  13,957.45

  	
   

  	
  7,489.31

  	
   

  	
  158,237

  	
   

  
	
  7

  	
   

  	
  May-99

  	
   

  	
  158,236.58

  	
   

  	
  3,574.46

  	
   

  	
  2,387.69

  	
   

  	
  1,186.77

  	
   

  	
  16,345.14

  	
   

  	
  8,676.08

  	
   

  	
  155,849

  	
   

  
	
  8

  	
   

  	
  Jun-99

  	
   

  	
  155,848.89

  	
   

  	
  3,574.46

  	
   

  	
  2,405.59

  	
   

  	
  1,168.87

  	
   

  	
  18,750.73

  	
   

  	
  9,844.95

  	
   

  	
  153,443

  	
   

  
	
  9

  	
   

  	
  Jul-99

  	
   

  	
  153,443.30

  	
   

  	
  3,574.46

  	
   

  	
  2,423.64

  	
   

  	
  1,150.82

  	
   

  	
  21,174.37

  	
   

  	
  10,995.77

  	
   

  	
  151,020

  	
   

  
	
  10

  	
   

  	
  Aug-99

  	
   

  	
  151,019.66

  	
   

  	
  3,574.46

  	
   

  	
  2,441.81

  	
   

  	
  1,132.65

  	
   

  	
  23,616.18

  	
   

  	
  12,128.42

  	
   

  	
  148,578

  	
   

  
	
  11

  	
   

  	
  Sep-99

  	
   

  	
  148,577.85

  	
   

  	
  3,574.46

  	
   

  	
  2,460.13

  	
   

  	
  1,114.33

  	
   

  	
  26,076.31

  	
   

  	
  13,242.75

  	
   

  	
  146,118

  	
   

  
	
  12

  	
   

  	
  Qct-99

  	
   

  	
  146,117.72

  	
   

  	
  3,574.46

  	
   

  	
  2,478.58

  	
   

  	
  1,095.88

  	
   

  	
  28,554.89

  	
   

  	
  14,338.63

  	
   

  	
  143,639

  	
   

  
	
  13

  	
   

  	
  Nov-99

  	
   

  	
  143,639.14

  	
   

  	
  3,574.46

  	
   

  	
  2,497.17

  	
   

  	
  1,077.29

  	
   

  	
  31,052.06

  	
   

  	
  15,415.92

  	
   

  	
  141.142

  	
   

  
	
  14

  	
   

  	
  Dec-99

  	
   

  	
  141,141.97

  	
   

  	
  3,574.46

  	
   

  	
  2,515.90

  	
   

  	
  1,058.56

  	
   

  	
  33,567.96

  	
   

  	
  16,474.48

  	
   

  	
  138,626

  	
   

  
	
  15

  	
   

  	
  Jan-2000

  	
   

  	
  138,626.07

  	
   

  	
  3,574.46

  	
   

  	
  2,534.76

  	
   

  	
  1,039.70

  	
   

  	
  36,102.72

  	
   

  	
  17,514.18

  	
   

  	
  136,091

  	
   

  
	
  16

  	
   

  	
  Feb-2000

  	
   

  	
  136,091.31

  	
   

  	
  3,574.46

  	
   

  	
  2,553.78

  	
   

  	
  1,020.68

  	
   

  	
  38,656.50

  	
   

  	
  18,534.86

  	
   

  	
  133,538

  	
   

  
	
  17

  	
   

  	
  Mar-2000

  	
   

  	
  133,537.53

  	
   

  	
  3,574.46

  	
   

  	
  2,572.93

  	
   

  	
  1,001.53

  	
   

  	
  41,229.43

  	
   

  	
  19,536.39

  	
   

  	
  130,965

  	
   

  
	
  18

  	
   

  	
  Apr-2000

  	
   

  	
  130,964.60

  	
   

  	
  3,574.46

  	
   

  	
  2,592.23

  	
   

  	
  982.23

  	
   

  	
  43,821.66

  	
   

  	
  20,518.62

  	
   

  	
  128,372

  	
   

  
	
  19

  	
   

  	
  May-2000

  	
   

  	
  128,372.37

  	
   

  	
  3,574.46

  	
   

  	
  2,611.67

  	
   

  	
  962.79

  	
   

  	
  46,433.33

  	
   

  	
  21,481.41

  	
   

  	
  125,761

  	
   

  
	
  20

  	
   

  	
  Jun-2000

  	
   

  	
  125,760.70

  	
   

  	
  3,574.46

  	
   

  	
  2,631.25

  	
   

  	
  943.21

  	
   

  	
  49,064.58

  	
   

  	
  22,424.62

  	
   

  	
  123,129

  	
   

  
	
  21

  	
   

  	
  Jul-2000

  	
   

  	
  123,129.45

  	
   

  	
  3,574.46

  	
   

  	
  2,650.99

  	
   

  	
  923.47

  	
   

  	
  51,715.57

  	
   

  	
  23,348.09

  	
   

  	
  120,478

  	
   

  
	
  22

  	
   

  	
  Aug-2000

  	
   

  	
  120,478.46

  	
   

  	
  3,574.46

  	
   

  	
  2,670.87

  	
   

  	
  903.59

  	
   

  	
  54,386.44

  	
   

  	
  24,251.68

  	
   

  	
  117,808

  	
   

  
	
  23

  	
   

  	
  Sep-2000

  	
   

  	
  117,807.59

  	
   

  	
  3,574.46

  	
   

  	
  2,690.90

  	
   

  	
  883.56

  	
   

  	
  57,077.34

  	
   

  	
  25,135.24

  	
   

  	
  115,117

  	
   

  
	
  24

  	
   

  	
  Qct-2000

  	
   

  	
  115,116.69

  	
   

  	
  3,574.46

  	
   

  	
  2,711.08

  	
   

  	
  863.38

  	
   

  	
  59,788.42

  	
   

  	
  25,998.62

  	
   

  	
  112,406

  	
   

  
	
  25

  	
   

  	
  Nov-2000

  	
   

  	
  112,405.61

  	
   

  	
  3,574.46

  	
   

  	
  2,731.42

  	
   

  	
  843.04

  	
   

  	
  62,519.84

  	
   

  	
  26,841.66

  	
   

  	
  109,674

  	
   

  
	
  26

  	
   

  	
  Dec-2000

  	
   

  	
  109,674.19

  	
   

  	
  3,574.46

  	
   

  	
  2,751.90

  	
   

  	
  822.56

  	
   

  	
  65,271.74

  	
   

  	
  27,664.22

  	
   

  	
  106,922

  	
   

  
	
  27

  	
   

  	
  Jan-2001

  	
   

  	
  106,922.29

  	
   

  	
  3,574.46

  	
   

  	
  2,772.54

  	
   

  	
  801.92

  	
   

  	
  68,044.28

  	
   

  	
  28,466.14

  	
   

  	
  104,150

  	
   

  
	
  28

  	
   

  	
  Feb-2001

  	
   

  	
  104,149.75

  	
   

  	
  3,574.46

  	
   

  	
  2,793.34

  	
   

  	
  781.12

  	
   

  	
  70,837.62

  	
   

  	
  29,247.26

  	
   

  	
  101,356

  	
   

  
	
  29

  	
   

  	
  Mar-2001

  	
   

  	
  101,356.41

  	
   

  	
  3,574.46

  	
   

  	
  2,814.29

  	
   

  	
  760.17

  	
   

  	
  73,651.91

  	
   

  	
  30,007.43

  	
   

  	
  98,542

  	
   

  
	
  30

  	
   

  	
  Apr-2001

  	
   

  	
  98,542.12

  	
   

  	
  3,574.46

  	
   

  	
  2,835.39

  	
   

  	
  739.07

  	
   

  	
  76,487.30

  	
   

  	
  30,746.50

  	
   

  	
  95,707

  	
   

  
	
  31

  	
   

  	
  May-2001

  	
   

  	
  95,706.73

  	
   

  	
  3,574.46

  	
   

  	
  2,856.66

  	
   

  	
  717.80

  	
   

  	
  79,343.96

  	
   

  	
  31,464.30

  	
   

  	
  92,850

  	
   

  
	
  32

  	
   

  	
  Jun-2001

  	
   

  	
  92,850.07

  	
   

  	
  3,574.46

  	
   

  	
  2,878.08

  	
   

  	
  696.38

  	
   

  	
  82,222.04

  	
   

  	
  32,160.68

  	
   

  	
  89,972

  	
   

  
	
  33

  	
   

  	
  Jul-2001

  	
   

  	
  89,971.99

  	
   

  	
  3,574.46

  	
   

  	
  2,899.67

  	
   

  	
  674.79

  	
   

  	
  85,121.71

  	
   

  	
  32,835.47

  	
   

  	
  87,072

  	
   

  
	
  34

  	
   

  	
  Aug-2001

  	
   

  	
  87,072.32

  	
   

  	
  3,574.46

  	
   

  	
  2,921.42

  	
   

  	
  653.04

  	
   

  	
  88,043.13

  	
   

  	
  33,488.51

  	
   

  	
  84,151

  	
   

  
	
  35

  	
   

  	
  Sep-2001

  	
   

  	
  84,150.90

  	
   

  	
  3,574.46

  	
   

  	
  2,943.33

  	
   

  	
  631.13

  	
   

  	
  90,986.46

  	
   

  	
  34,119.64

  	
   

  	
  81,208

  	
   

  
	
  36

  	
   

  	
  Oct-2001

  	
   

  	
  81,207.57

  	
   

  	
  3,574.46

  	
   

  	
  2,965.40

  	
   

  	
  609.06

  	
   

  	
  93,951.86

  	
   

  	
  34,728.70

  	
   

  	
  78,242

  	
   

  
	
  37

  	
   

  	
  Nov-2001

  	
   

  	
  78,242.17

  	
   

  	
  3,574.46

  	
   

  	
  2,987.64

  	
   

  	
  586.82

  	
   

  	
  96,939.50

  	
   

  	
  35,315.52

  	
   

  	
  75,255